diff --git a/TODO b/TODO
index 7acfd50..4ad186b 100644
--- a/TODO
+++ b/TODO
@@ -1,16 +1,16 @@
 UI:
+    future bill (like for health) when I click change should either get fancy and allow toggle, or at least just disable the text field with future in it
 
 For bills:
     * estimate future bills/growth:
         [DONE] - calculate pragmatic min/avg/max/simple
-        - need to handle future only bills (like health insurance which only kicks in when I quit)
-            - could work by guessing start dates of bills for now (hack); OR
-            - we put some smarts in so they future bills have a base and kick in the date I quit
+        [DONE] - need to handle future only bills
         - remove bills from Living_Expenses (carefully - but by hand)
-        - fold future bills into calc so they are taken out in a more time and growth appropriate way
+        - fold future bills into calc so they are processed on the day of the bill 
         - inflation can then be put to a more realistic quarterly figure
 
     * might need to be able to mark a specific bill as an outlier - so we ignore the data somehow (think Gas is messing with my bills)
+        - and even electricity, water, etc. for when we were away in Europe but mostly gas/elec
 
 LONGER/HARDER:
     * need to work out 'first bill' and 'last bill' to auto-fill missing bills based on